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101 Leading California Fintech Startups Founded in 2020 & 2021

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This article showcases our top picks for the best California based Fintech companies. These startups and companies are taking a variety of approaches to innovating the Fintech industry, but are all exceptional companies well worth a follow.

We tried to pick companies across the size spectrum from cutting edge startups to established brands.

We selected these startups and companies for exceptional performance in one of these categories:

  • Innovation
    • Innovative ideas
    • Innovative route to market
    • Innovative product
  • Growth
    • Exceptional growth
    • Exceptional growth strategy
  • Management
  • Societal impact

Top California Fintech Startups

Data sourced from Crunchbase and SemRush.

Collective

Collective

Crunchbase Website Twitter Facebook Linkedin

Collective provides financial concierge services for self-employed people and businesses.

Ascend

Ascend

Crunchbase Website Twitter Facebook Linkedin

Ascend is a modern, all-in-one payments solution purpose-built for insurance

Ascend

Alt

Crunchbase Website Twitter Facebook Linkedin

Alt is an alternative asset platform that allows people to buy, sell, and store sports cards.

Ascend

Highnote

Crunchbase Website Twitter Facebook Linkedin

Highnote is the world’s most modern card platform, purpose-built to grow customer loyalty, engagement, and revenue.

Ascend

Goldfinch

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Goldfinch is a credit platform that offers crypto loans without collateral.

Ascend

MicroAcquire

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MicroAcquire is a startup acquisition marketplace that helps startups find buyers and get acquired.

Ascend

Daylight

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Daylight is the first and only digital banking platform in the USA built for LGBT+ people, by LGBT+ people.

Ascend

TrueFi

Crunchbase Website Twitter Facebook Linkedin

TrueFi is the ultimate DeFi uncollateralized lending protocol

Ascend

Gr4vy

Crunchbase Website Twitter Facebook Linkedin

Gr4vy is a cloud payment orchestration platform that helps businesses manage their payment solutions

Ascend

Fei Protocol

Crunchbase Website Twitter Facebook Linkedin

Fei Protocol is a direct incentive stable coin which is undercollateralized and fully decentralized.

Ascend

Valora

Crunchbase Website Twitter Facebook Linkedin

Valora is a mobile peer-to-peer payments and remittance app built on the Celo platform.

Ascend

Figure

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Figure is a compensation platform that helps companies figure out how to pay their employees by making data driven decisions.

Ascend

Lendtable

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Lendtable provides income-constrained individuals with wealth-building cash advances.

Ascend

Burnt Finance

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Burnt Finance is a decentralized auction protocol to enable fast and seamless auctions for a diverse array of assets.

Ascend

Onramp Invest

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Onramp Invest is a digital comprehensive crypto-asset management solution that helps financial advisors to invest in cryptocurrency.

Ascend

Runway

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Runway is a ground up rethink of the role of financial data inside modern businesses.

Ascend

Crediverso

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Crediverso is a financial marketplace where people can find credit cards, credit checks, and international money transfers.

Ascend

Ensemble

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Ensemble is a FinTech platform designed to help co-parents manage shared expenses for their children more easily.

Ascend

Fintor

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Fintor is a platform for buying and selling fractional equity shares in real estate properties.

Ascend

Peachy

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With Peachy, healthcare providers get paid faster by making patient payments quicker, easier, and more affordable.

Ascend

Sifchain Finance

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Sifchain is the world’s first omni-chain decentralized exchange (DEX) for digital assets.

Ascend

Anzen

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Anzen is a management insurance and operations tool using real-time HRIS and SaaS integrations to identify and avoid management risks.

Ascend

Sardine

Crunchbase Website Twitter Facebook Linkedin

Sardine provides fraud prevention as a service solution for the digital economy.

Ascend

Risk Harbor

Crunchbase Website Twitter Facebook Linkedin

The only objective risk management marketplace for decentralized finance (DeFi).

Ascend

Sanlo

Crunchbase Website Twitter Facebook Linkedin

Vertically-focused platform of financial services for the gaming & app companies

Ascend

Finley Technologies

Crunchbase Website Twitter Facebook Linkedin

Finley is a YC- and Bain Capital Ventures-backed company that helps companies streamline debt capital raise and management.

Ascend

HamsaPay

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HamsaPay provides solutions for the B2B e-commerce payments market.

Ascend

Alice

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Alice is a decentralized finance mobile application that enables users to send money to friends.

Ascend

Caplight

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Caplight is a platform that enables institutional investors to buy and sell derivatives of private equity.

Ascend

Synctera

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Synctera is a FinTech-as-a-Service platform that connects financial institutions with fintech companies.

Ascend

Citadel – Payroll APIs

Crunchbase Website Twitter Facebook Linkedin

With Citadel, users can easily connect their payroll account and instantly verify employment, income, and identity.

Ascend

Data Mynt

Crunchbase Website Twitter Facebook Linkedin

Banking is needed. Banks are not. Data Mynt helps businesses reach their potential with web3 based financial tools.

Ascend

Qooore — Investment, Trading & Insight

Crunchbase Website Twitter Facebook Linkedin

Easy-to-understand AI-powered smart-signal investment tool

Ascend

Front Finance

Crunchbase Website Twitter Facebook Linkedin

Front is the ultimate investment platform powered by Front Score technology. Get our free app for iOS & Android. GetFront.com

Ascend

StreetBeat

Crunchbase Website Twitter Facebook Linkedin

Hedge fund level trading for everyone

Ascend

ModernTax

Crunchbase Website Twitter Facebook Linkedin

ModernTax is API platform that democratizes access to tax records for business services companies.

Ascend

BlueTape

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BlueTape is a payment and financing platform for the construction industry.

Ascend

Polkaswitch

Crunchbase Website Twitter Facebook Linkedin

A decentralized multi-chain liquidity protocol on Polkadot, Ethereum, and top layer 1 & 2 blockchains.

Ascend

Ready

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Ready makes software that helps local internet service providers connect more subscribers to better broadband services.

Ascend

Deep Discovery

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Artificial intelligence for fighting global corruption

Ascend

SmartDeFi

Crunchbase Website Twitter Facebook Linkedin

SmartDeFi is a non-custodial robo-investment app for decentralized finance.

Ascend

Inclined Technologies

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Inclined pioneers a new form of lending in a large and vastly underserved market.

Ascend

Crush Capital

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Crush Capital is a fintech company democratizing access to investment opportunities.

Ascend

Karus

Crunchbase Website Twitter Facebook Linkedin

The AI Engine for Auto Finance

Ascend

MyMarkit

Crunchbase Website Twitter Facebook Linkedin

Fintech Blockchain Marketplace – A New Way To Shop

Ascend

Goalswell

Crunchbase Website Twitter Facebook Linkedin

Goalswell is created to empower you with financial knowledge and healthy financial habit development through social goal setting.

Ascend

Ivella

Crunchbase Website Twitter Facebook Linkedin

Building the future of banking for couples.

Ascend

Atomic

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Atomic is a provider of personalized investment management services that lets companies embed investment accounts into their services.

Ascend

6figr.com

Crunchbase Website Twitter Facebook Linkedin

All about Career & Money – We predict future Employability, Earning potential & Unemployment risk using AI.

Ascend

Suma Wealth

Crunchbase Website Twitter Facebook Linkedin

A financial wellness company for the U.S. Latinx community.

Ascend

Flaist

Crunchbase Website Twitter Facebook Linkedin

Flaist is the easiest and fastest way for banks to power digital initiatives. #WeFintechifyBanks

Ascend

CapConnectPlus

Crunchbase Website Twitter Facebook Linkedin

CapConnectPlus is an operator of a FinTech company intended to modernize and democratize the capital markets.

Ascend

Cryptiswap

Crunchbase Website Twitter Facebook Linkedin

CryptiSwap© is a Non-Custodial CryptoCurrency exchange/swap service | no registration | no holds | no third party

Ascend

Sperta

Crunchbase Website Twitter Facebook Linkedin

Sperta provides a risk decision platform for financial services and tech companies.

Ascend

Encircle Labs

Crunchbase Website Twitter Facebook Linkedin

Encircle Labs is a fintech company.

Ascend

Revive Concierge

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Revive is a fast-growing startup that is rapidly innovating in the real estate industry for the homeowner.

Ascend

SIREN

Crunchbase Website Twitter Facebook Linkedin

SIREN is a distributed protocol creating a decentralized blockchain exchange for options trading on Ethereum.

Ascend

Loanbase

Crunchbase Website Twitter Facebook Linkedin

Commercial Lending Made Simple

Ascend

Genie

Crunchbase Website Twitter Facebook Linkedin

Building the next-generation platform for people to pay back their student loans — in record time.

Ascend

Collidescope.io

Crunchbase Website Twitter Facebook Linkedin

Social Media Activation, Fundraising & Measurement Platform

Ascend

Arnie

Crunchbase Website Twitter Facebook Linkedin

Make your 401k work for you and the world

Ascend

Contora

Crunchbase Website Twitter Facebook Linkedin

Alternative data for retail traders

Ascend

Safely Finance

Crunchbase Website Twitter Facebook Linkedin

We turn large up-front rental costs into approachable multi-month payments

Ascend

Finch

Crunchbase Website Twitter Facebook Linkedin

Finch is the universal API for Payroll and HR

Ascend

Parafin

Crunchbase Website Twitter Facebook Linkedin

Parafin is a capital as a service platform for fundraising activities.

Ascend

Dots

Crunchbase Website Twitter Facebook Linkedin

Dots is a multichannel payouts API that automates manual processes for marketplaces.

Ascend

Equi

Crunchbase Website Twitter Facebook Linkedin

The future of alternative investments. Invest in the best alternative investments in the world, $100M net worth no longer required.

Ascend

Iris

Crunchbase Website Twitter Facebook Linkedin

Iris is a social trading stock app which allows users to connect a brokerage account and follow friends’ trades/portfolios in real time.

Ascend

Better Tomorrow Ventures

Crunchbase Website Twitter Facebook Linkedin

Better Tomorrow Ventures (BTV) is an early stage fintech focused fund that leads rounds in pre-seed and seed-stage companies globally

Ascend

Corevest

Crunchbase Website Twitter Facebook Linkedin

Brokerage-Validated Social Trading Platform

Ascend

Givelist

Crunchbase Website Twitter Facebook Linkedin

One app for all your giving. Discover the charities (1.9m) doing the best job for any cause you care about, give easily, and see your impact

Ascend

Bay1

Crunchbase Website Twitter Facebook Linkedin

BAY1 is an issuance and acquiring platform that connects businesses and merchants to a virtual payments platform.

Ascend

Clientwell

Crunchbase Website Twitter Facebook Linkedin

Clientwell is a digital growth and lead generation platform for wealthtech, SaaS, and financial service companies.

Ascend

Bump by Ownors AI

Crunchbase Website Twitter Facebook Linkedin

The #1 Fintech & AI-Driven Platform For Mentorship & Managed Micro-Advances For Creators

Ascend

Amni

Crunchbase Website Twitter Facebook Linkedin

Amni is a micro-savings and investing platform that ties with your favorite entertainment platforms to gamify saving and investing.

Ascend

Sivo

Crunchbase Website Twitter Facebook Linkedin

Sivo provides debt as a service. Our API allows companies to access debt funding and lend money to their users at scale.

Ascend

Rari Capital

Crunchbase Website Twitter Facebook Linkedin

The most advanced and creative rebalancing mechanism on DeFi. Built to maximize yield across protocols and reach new levels with strategies.

Ascend

Chamaeleon

Crunchbase Website Twitter Facebook Linkedin

early stage venture capital firm based in Silicon Valley investing globally

Ascend

FarmRaise

Crunchbase Website Twitter Facebook Linkedin

FarmRaise is a digital platform that offers financial resources for farmers and ranchers to make on-farm improvements.

Ascend

Untapped Ventures

Crunchbase Website Twitter Facebook Linkedin

Untapped Ventures is a startup studio and $10M pre-seed venture fund that builds and invests in startups re-imagining the Future of Work.

Ascend

Splitsub

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Splitsub is an app to share online subscriptions with friends, family and others.

Ascend

Staax

Crunchbase Website Twitter Facebook Linkedin

Staax is a mobile app that lets you pay and get paid from peers with fractional share stock.

Ascend

Carbonbase

Crunchbase Website Twitter Facebook Linkedin

Carbonbase is building a fintech platform to facilitate sustainable investments for a global audience

Ascend

Miter

Crunchbase Website Twitter Facebook Linkedin

Miter leverages breakthroughs in B2B payments technology to build HR and financial software for construction firms.

Ascend

Arzus

Crunchbase Website Twitter Facebook Linkedin

All Financial & Banking Services in One Platform

Ascend

Passbird Research

Crunchbase Website Twitter Facebook Linkedin

FinTech. Payments. Cross Border. Security SaaS. Crypto.

Ascend

Data Safeguard

Crunchbase Website Twitter Facebook Linkedin

intelligently protecting data

Ascend

Modern Logic

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Modern Logic builds a no-code rules engine to help fintech companies fight financial crime.

Ascend

MoneyHash

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MoneyHash provides access to payment and fintech services across the Middle East & Africa with one simple integration.

Ascend

NuCash Inc

Crunchbase Website Twitter Facebook Linkedin

Mobile App, Neo Banking, Lending, Super App

Ascend

SavingsOak

Crunchbase Website Twitter Facebook Linkedin

Save Today. Invest in tomorrow.

Ascend

ZeFi

Crunchbase Website Twitter Facebook Linkedin

ZeFi is an alternative to high yield savings account. It lets users earn up to 8% APY on their deposits and spend with a debit card.

Ascend

Funden

Crunchbase Website Twitter Facebook Linkedin

Funden is the first AI-powered platform to scout startup investors and Venture Capital firms.

Ascend

Telivy

Crunchbase Website Twitter Facebook Linkedin

Telivy empowers SAAS platforms and insurance agencies with an embedded multi-carrier cyber insurance solution.

Ascend

Winden

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The only business bank designed to help you make more money.

Ascend

Pigeon Loans

Crunchbase Website Twitter Facebook Linkedin

Pigeon Loans is a peer-to-peer lending platform that facilitates loans between family, friends, and loved ones.

Ascend

Nuvestan

Crunchbase Website Twitter Facebook Linkedin

Visualize the worth of your spending habits and compare it to the same cash if invested in stocks and ETFs at that time.

Ascend

Emerging Impact

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Emerging Impact modernizes financial services in emerging markets through blockchain technology.

Ascend

Sidepocket

Crunchbase Website Twitter Facebook Linkedin

Sidepocket combines tactical investment strategies that generate returns by automatically rebalancing the money into assets that outperform.

Ascend

Lumen

Crunchbase Website Twitter Facebook Linkedin

Financing for Airbnb hosts!

Ascend

RAIN Technologies

Crunchbase Website Twitter Facebook Linkedin

Provider of API-enabled, automated trading solutions

Written by Tenner Smith

Tenner Smith - I have experience in financial intelligence and automated intelligence. In industry I have worked on artificial intelligence and machine learning. Tenner Smith is a reporter at DF media.

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101 Leading United States Fintech Startups Founded in 2020 & 2021

101 Leading United Kingdom Fintech Startups Founded in 2020 & 2021